You can make contributions to your Health Savings Account (HSA) up until the tax filing deadline for the year—typically April 15 of the following year.
That means you can keep contributing to your 2025 HSA all the way through April 15, 2026, even if you’re no longer enrolled in an HSA-eligible health plan.
📆 Contribution Timeline Example:
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Coverage period: January–December 2025
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Final day to contribute: April 15, 2026
Just make sure you clearly designate the contribution for the correct tax year—especially if you’re making it in January, February, or March.
🧠Tip:
Many people make a lump-sum contribution at tax time to reduce their taxable income. As long as you were HSA-eligible during the tax year, you can contribute for that year up until the deadline.